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NAIFA's Limited & Extended Care Planning Center

The LECP Center empowers professionals to network with solution and service providers to share best practices, directly access subject matter experts, research, training and resources; and provide thought leadership so we may continue to address the changing needs of the market.

1 min read

Exclusive Webinar: Using Housing Wealth to Improve Financial Outcomes in Retirement

By NAIFA on Jan 7, 2021 2:11:40 PM

We're proud to let you know about this upcoming webinar from our partner, Mutual of Omaha, on Tuesday, January 19, at 2:00 pm EST / 11:00 am PST with tax attorney, industry expert, speaker and author Barry H. Sacks Ph.D., who will be discussing using housing wealth to improve financial outcomes in retirement. 

As clients retire, and hence end the receipt of regular income from employment or professional activity, cash flow considerations become paramount.  This webinar examines four situations in which home equity can be used to diminish retirees' risk of cash flow exhaustion while maintaining an acceptable level of living expenses.  
6 min read

What You Should Know About Life Insurance Settlements

By Pinney Insurance on Jan 7, 2021 10:41:29 AM

If you have a client who can’t afford their policy – especially if it’s due to health problems – you may want to help them look into a life settlement. Of course, this leaves them without any death benefit protection, which isn’t ideal. But if they either don’t need the coverage or have no financial option but to let it lapse, a settlement may be the ideal solution.

2 min read

The Black Swan: The Generational Impact of the “Baby Boomers” and “Longevity"

By Carroll Golden on Jan 6, 2021 4:48:33 PM

Over the holidays, I had time to read a very interesting book that seems to directly relate the COVID-19 Pandemic chain of events. The Black Swan: The Impact of the Highly Improbable Event by Nassim Nicholas Taleb. Although the book discusses the black swan phenomenon in relation to investing, it seems to hit home when looking at the impact and rational that is surfacing around the COVID-19 Pandemic. The book focuses on three principal characteristics. The event is rare and unpredictable. It is an outlier so rare that even the possibility of such an event is not identified. The event produces a catastrophic impact. And finally, we create an explanation that makes it appear less random and more probable and eventually predictable. Interestingly, there are some positive Black Swans such as the impressive success of Google and Facebook. On the other hand, there is the tragic events of 9/11 which fits as a Black Swan. The COVID-19 pandemic that is taking its toll on individual families, entire generations, and the global economy also qualifies as a “Black Swan event."

2 min read

Using Medicare Publications

By Dan Mangus on Jan 6, 2021 2:14:33 PM

As an advisor to individuals on Medicare or advising a caregiver to someone on Medicare, you require accurate information. One of the best reference tools for you to share with them is Medicare publications. They are easy to access on Medicare.gov and available on a variety of topics. Here are a few that I find outstanding.

2 min read

Common Misconceptions About Long Term Care

By Genworth on Dec 22, 2020 11:22:37 AM

Cover all of your bases with four common rebuttals about long term care planning.

There are plenty of misconceptions about long term care. Some believe that health insurance and Medicare will take care of these expenses. The majority of costs for long term care are out-of-pocket expenses until assets are depleted. The following are four common rebuttals you might hear about long term care planning and what you need to know:

2 min read

Life Insurance Trends 2020

By Dan Pierson on Dec 16, 2020 3:34:54 PM

If these past few months have taught us anything, it’s that trend-forecasting is an inexact science. We’ve all known for at least the past two decades that technology would continue to change our world, seamlessly integrating itself into our daily lives until almost everything can be ordered, viewed, or accomplished digitally. But very few of us could have predicted just how much, and how quickly, we would have to adapt to a world where working from home, video-chatting with doctors, and ordering groceries was not only an option but a necessity. It’s changed the way we conduct business – so much so that many industries, like life and health insurance, have been forced to reevaluate their relationship with tech to meet the demand of advisors and clients alike. They’ve begun to realize that technology is not just a trend they must grudgingly dip their toes into but an opportunity to dive in head first for total transformation. Keeping all that in mind, here are the most notable trends that insurance agents should be aware of.

5 min read

An Outstanding Opportunity to Grow Your Business for Generations

By Carroll Golden on Dec 15, 2020 6:57:14 PM

The sales and marketing landscape has changed. Have you?

2 min read

The ILTCI Joins as a Financial Security Alliance Partner

By NAIFA on Nov 13, 2020 3:18:21 PM

Industry groups unite the insurance and financial services industry to promote financial literacy and encourage a new generation of agents and advisors.

1 min read

Meet Gerry: NAIFA Welcomes 'Gerry' as a New LECP Sponsor

By NAIFA on Nov 10, 2020 4:04:37 PM

Meet Gerry, the new way to find your future care facility. Using aggregated data from every senior living facility in the country, Gerry matches clients with an assisted living community to ease them through their decision. We are excited to announce Gerry as a new sponsor of the Limited & Extended Care Planning Center (LECP) within NAIFA.

1 min read

Transamerica LTC Update & Review

By NAIFA on Nov 10, 2020 3:58:28 PM

Presented by: Matt Hamann, National Sales Director, VP Institutional, Worksite Multi-Life & Brokerage at Transamerica

4 min read

NAIFA’s Limited & Extended Care Planning Center Announces its Inaugural Long Term Care Event

By NAIFA on Oct 16, 2020 5:20:23 PM

The three-day event will offer a broad view of extended and long-term care topics and options. Whether you advise clients about life insurance, annuities, saving or college plans, wealth management, or retirement planning, your clients' plans and lifestyle can be impacted by complications of caregiving or a need for extended or long-term care.

Falls Church, VA (October 16, 2020) -- The National Association of Insurance and Financial Advisors (NAIFA) and NAIFA’s Limited and Extended Care Planning Center will host its first annual NAIFA LECP Center event. The virtual conference will be held on November 10-12. The inaugural event is made possible by the founding sponsors of the Limited & Extended Care Planning Center.

Three hours of programming each day will include an extensive, wide range of topics and options and explore issues important to agents and financial professionals.

Panel discussions by industry leaders will dive into:

1 min read

Industry Survey on Long-Term Care Now Underway

By Suzanne Carawan on Sep 14, 2020 1:48:47 PM

NAIFA has been selected as a survey partner to Oliver Wyman along with NAILBA and BrokerWorld to undertake an industry-wide research study on the state of sales of long-term care products. The survey is entitled "Long-Term Care Insurance Planning Survey: Who’s Selling What to Whom, How and Why?" and seeks to understand how the landscape has changed through COVID-19.

6 min read

Are you guilty of malpractice in your work?

By Harlan Accola on Aug 31, 2020 4:48:43 PM

Here are some of the words the dictionary uses to define malpractice: improper, illegal, or negligent professional activity or treatment, especially by a medical practitioner.

10 min read

LECP Webinar: VA Benefits and Medicare – Beyond the Basics

By NAIFA on Aug 31, 2020 2:26:42 PM

Presented by NAIFA’s Limited and Extended Care Planning Center

2 min read

FEDERAL LTC TASK FORCE INCLUDES NAIFA RECOMMENDATIONS IN REPORT

By NAIFA on Aug 11, 2020 2:28:35 PM

The U.S. Treasury Department has released a report from the Federal Interagency Task Force on Long-Term Care Insurance recommending government actions to foster innovation in long-term care (LTC) product design, improve the efficiency and relevance of LTC product regulation and promote financial literacy on LTC matters.

3 min read

LECP Webinar: Proven Approaches and Techniques Using Traditional Long-Term Care and Hybrid Life Insurance

By NAIFA on Jul 30, 2020 2:34:03 PM

Denise Gott, CLTC, is CEO of ACSIA Partners

Worksite LTCI - ARM Makes it Easy!

By ARM on Jul 28, 2020 12:00:00 PM

3 min read

Webinar: Increasing Options for Extended and LTC Planning

By NAIFA on Jul 9, 2020 9:33:19 AM

Featuring Carroll Golden, CLU, ChFC, CLTC, CASL, LECP, FLMI

3 min read

Annuities and LTC Insurance: Two Case Studies in Planning

By NAIFA on Jun 29, 2020 4:00:26 PM

Annuities can be an important part of long-term care planning, Tom Riekse, ChFC, CLU, CEBS, Managing Director at LTCi Partnerstold attendees of NAIFA’s Limited and Extended Care Planning Center webinar. “Unfortunately, there has probably not been as much emphasis on how they can work together in a plan for care as there should be based on some of the great benefits available.”

2 min read

New CLTC Class for NAIFA Members Starts in July

By Suzanne Carawan on Jun 29, 2020 1:43:03 PM

The National Association of Insurance and Financial Advisors (NAIFA) and the Certification for Long Term Care (CLTC) announce a new series of preparatory classes for NAIFA members. The new virtual series and exam will allow more NAIFA members to earn their CLTC designation. The class series is the latest byproduct of the strong partnership between NAIFA and CLTC.

Topics: CLTC
2 min read

Offer Appropriate Coverage for LTCi

By Romeo Raabe on Jun 9, 2020 11:00:00 AM

Do your prospects ask for a specific amount of LTCi, or do they look to you for advice on how the coverage should be structured and how much they might need?

They (you) may have read the studies of how much a nursing home costs, which might be a starting point. However, the costs can vary as much as 100% between the highest and lowest cost areas of the US. Thus, the first step might be to inquire where your prospects plan to reside in their retirement.

4 min read

Why there may be a rush to buy LTC Insurance policies

By Tom Riekse Jr. on Apr 23, 2020 2:28:35 PM

Years from now, those of us who lived through the Coronavirus Pandemic will think about the early rush to buy toilet paper and how odd that seemed. As of today (and things could change), there is plenty available at Costco, but they are limiting people to just one 30 pack. Just how long does a 30 pack last? Well, someone has created a Coronavirus Poop Calculator (thepooptool.com) to help people figure that out. For a family of 4, a 30 pack of Costco toilet paper should last 90 days. Amazingly and unexpectedly, it seems all Americans are involved with Toilet Paper inventory management.

We can chuckle a little bit about toilet paper. However, it's not just household products we are taking inventory of.

3 min read

Insurance and Financial Advisors - Help Your Clients Keep Their Money

By Krystal Lockwood on Apr 22, 2020 11:00:00 AM

Americans are losing out on billions of dollars of personal property – and most of them don’t know it.

Unclaimed property has become a silent wealth killer with a recent New York Times report estimating the total number around $80 billion. Unclaimed property is defined as any financial asset that has been lost or abandoned by its owner and, consequently, resides in a state or federal account.

These assets can range from unpaid wages and pensions to uncashed money orders, unused gift cards and undeposited tax refunds. Among the biggest contributors to unclaimed property are lost life insurance policies.

As a result, life insurance advisors are on the front lines of combating the unclaimed property issue and helping find lost life insurance policies. But with the rise in digital banking and currency, advisors will likely need more advanced tools to ensure clients and their families are claiming all their rightful property.

3 min read

Long-Term & Extended Care Planning & Boomers

By Dan Pierson on Mar 26, 2020 10:00:58 AM

For a long time, Baby Boomers have been the lifeblood of many finance-based industries, and the financial advisor business is no exception. Baby Boomers, considered to be anybody between the ages of 55 and 75, are perhaps the last generation that practices similar financial habits to the generations that came before them.

They own homes, businesses, and other assets, making them easily the wealthiest generation in American history with an estimated $68 trillion in wealth. And, while pondering our own mortality is never fun, it’s an indisputable fact that, as Baby Boomers continue to age, they will need trusted financial advisors to guide them through the uncharted waters of long-term care as well as complete the transference of wealth to their Gen X and Millennial children when applicable.

From retirement plans to long-term healthcare options and beyond, knowing how to provide valuable and targeted guidance to your Baby Boomer clients will ensure mutually beneficial partnerships for everyone involved. Keep reading to learn more about the importance of long-term and extended care planning and how LegacyShield can be a valuable tool for you, your clients, and their loved ones.

2 min read

How Coronavirus and low interest rates may impact LTC Insurance - and why you may want to act now

By Tom Riekse Jr. on Mar 18, 2020 11:00:00 AM

From quarantined cruise ships to cancelled conferences (not to mention the stock market), the novel coronavirus has had a significant impact on many peoples lives. At first glance, it would seem like the LTC Insurance business wouldn't be significantly impacted compared to other businesses. Why?

2 min read

What Recent New York Suitability Regulations Could Mean for the Future of Long-Term Care Planning

By Tom Riekse Jr. on Feb 25, 2020 11:30:00 AM

If you are a producer who writes Life Insurance products with New York clients, including Life/LTC plans, effective February 1st 2020 you need to comply with New York State Department of Financial Security Section 187. The regulations are designed to have life insurance and annuity recommendations be made in the best interest of the client - not the insurance agent.  Are these regulations a sign of things to come in more states - and how do they impact long-term care insurance?

Video: The Role of Medicare in Comprehensive Planning

By Senior Marketing Specialists on Feb 20, 2020 10:30:00 AM

Medicare is a buzzword in the media right now, it seems as though every industry from retail to healthcare, all are targeting this growing demographic.

3 min read

The Secret to Finding More Life Insurance Prospects

By LegacyShield on Feb 19, 2020 10:30:00 AM

Prospecting is, without a doubt, the most difficult and time-consuming part of the life insurance sales process. And the myriad ways we have to generate leads in our current age of virtual networking and content marketing can make it even less clear where to begin.

Seven Employee Benefits Case Studies

By ARM on Feb 6, 2020 12:15:00 PM

Advanced Resources Marketing (ARM) offer the following case studies as examples of how you can grow your business using their expertise and assistance.  Utilizing Enrollment Firms to Perform Core and Voluntary Enrollments; Value and proper risk spread of utilizing two staggered enrollments; Voluntary Offering to Newly Merged Company; Voluntary Offer to HMO; Case for the Replacement and Paternalistic Engineering Firm.

 

2 min read

Protecting What Matters Most: Your Loved Ones

By Life Happens on Feb 5, 2020 3:33:19 PM

It’s Insure Your Love month. And what does that mean? Everyone wants the best for their family, whether that’s a spouse, children, aging parents, really anyone you need to take care of. And the numbers back that up: 81% of Americans believe their family is their most valuable asset, according to the new “Protecting What Matters Most Study,” by Edward Jones and Life Happens.

1 min read

Having a Partner to Help Grow Your Sales

By Carroll Golden on Jan 22, 2020 1:17:41 PM

(Video) The second session in a series of sessions from the Limited & Extended Care Planning Center. This session was live from the NAIFA Performance + Purpose Conference in 2019.

This session features speakers from LTCIPartners, Advanced Resources Marketing, and ASH Brokerage.

1 min read

Innovation in the Extended and Long Term Care Marketplace

By Carroll Golden on Jan 21, 2020 5:02:53 PM

The NAIFA Limited & Extended Care Planning Center proudly presents: Innovation in the Extended and Long Term Care Marketplace. One of our live sessions from the 2019 Performance + Purpose Conference. 

1 min read

Webinar: Long Term Care Planning - 2019 in Review

By Tom Riekse Jr. on Jan 16, 2020 11:00:00 AM

Join LTCI Partners Managing Director, Tom Riekse and VP, Pat Bradley for a wrap up of Long Term Care in 2019. 

In this 30-minute discussion, LTCI Partners recaps some of this year’s top sales strategies, industry news, carrier highlights and more.

"We'll even forecast what’s to come in 2020 as it relates to Long-Term Care planning."

LTC Client Identifier

By ASH Brokerage on Jan 13, 2020 5:00:00 PM

One size does not fit all when it comes to planning for extended or long term care. A client in the 40's doesn't "hear" information in the same way as a client in their 50's or 60's. ASH brokerage's brochure offers you targeted approaches for different ages and needs.

Corporate Resolution Example

By ARM on Jan 10, 2020 10:41:00 AM

View a sample of a corporate resolution.  For the full version of the document, please contact ARM.

What is the Secondary Market Potential for Life Settlements?

By GWG Holdings, Inc. on Jan 9, 2020 10:39:00 AM

 

2 min read

Managing Long-Term Care Spending Risks in Retirement

By OneAmerica on Jan 7, 2020 10:27:48 AM

Download White Paper

By: Wade D. Pfau, Ph.D., CFA, and Michael Finke, Ph.D., CFP®

All retirees must plan today for the possibility that they will experience significant long-term care health expenditures. Large unplanned expenses, such as those relating to long-term care, have the potential to wreak havoc on a retirement income plan.

3 min read

Optimizing Retirement Income by Combining Actuarial Science and Investments

By Wade D. Pfau, Ph.D., CFA on Dec 11, 2019 1:00:00 PM

Actuarial science principles can contribute to better retirement outcomes. Actuarial science allows personal retirement planning to be treated more like a defined-benefit pension plan. These plans can pool financial market risks between different cohorts and can pool longevity risk between different individuals within the same cohort.

4 min read

Legacy Planning for Your Clients

By Dan Pierson on Dec 9, 2019 4:18:45 PM

The steps outlined in this article will help you work with your clients to implement effective legacy planning programs.

In my time as a financial advisor, I was primarily focused on providing my clients with wealth accumulation and distribution strategies. More often than not, the solution involved the use of life insurance, taking advantage of its tax-free accumulation and distribution benefits.

How to Have a Meaningful LTC Conversation with Clients (Podcast)

By LTCI Partners on Nov 22, 2019 12:30:00 PM

Joy Loverde is the Author of "Who will take of me when I'm Old?" and the best seller "The Complete Eldercare Planner".  In this 10-minute discussion with Steve Cain of LTCI Partners, Joy talks about what to say and what to avoid when broaching the topic of planning.

3 min read

Extended Care is Critical to Retirement Planning

By Bill Comfort on Nov 20, 2019 11:25:16 AM

Planning for extended care is not optional. It must be a critical, integral part of every client’s retirement plan. Failing to effectively address the subject in a meaningful, personalized way risks the failure of every other financial, investment, retirement, and estate plan.

1 min read

The Importance of Health Insurance & Retirement Income

By ARM on Nov 19, 2019 2:02:26 PM

Long-Term Care Awareness month often encourages reflection about wellness, leading people to evaluate how they are prepared for the future the future – both physically and financially. 

3 min read

Paying for Extended Care

By CLTC on Nov 14, 2019 3:10:58 PM

When a client needs extended care there are two sets of consequences:

First are personal consequences to a spouse, kids, extended family, or friends. The cost to the caregiver of this personal, “informal” help is real, immediate, and encompasses many forms:

1 min read

Tax Advantages of Long-Term Care Insurance

By ARM on Nov 13, 2019 11:40:49 AM

Long-Term Care Awareness Month conversations should always include a mention of the tax advantages of Long-Term Care insurance [LTCi]. For those looking for a last-minute tax deduction, LTCi presents a solution.

5 min read

The Market Continues To See The Value Of Asset-Based Long Term Care Products

By OneAmerica on Nov 7, 2019 12:15:00 PM

At the start of 2019, the OneAmerica® forecast on these pages was one of optimism, even though several factors—market uncertainty and the regulatory landscape among them—could bring headwinds to our industry. 

Halfway through the year, our tone hasn’t changed. Especially for the asset-based long term care (ABLTC) market, what we’re seeing is “more of a good thing.”

2 min read

Make Long-Term Care Part of Your Financial Plan

By Advanced Resources Marketing on Nov 5, 2019 11:15:00 AM

This November marks the 19th anniversary of Long-Term Care Awareness month, presenting an opportune time to discuss why Long-Term Care insurance [LTCi] should be considered a vital part of one’s financial plan.

3 min read

Keep Your Legacy Out of the Hands of Hackers

By LegacyShield on Oct 16, 2019 3:30:00 PM

By : Ashley Schopp

In July alone, there were 2.3 billion records[1] breached globally. That’s about 74 million a day, an astounding number of people to be subject to a cyber attack. Domestically, there’s an attack every 39 seconds, affecting one in three Americans a year.[2] The study that generated that statistic explains how hackers are able to levy so many attacks a day. They program software to strike large numbers of computers simultaneously and write code that controls which usernames and passwords to try – those that the hacker believes are most likely to be used.

5 min read

One of the Fastest Growing Areas to Fund Long-Term Care: Life Settlements

By Chris Orestis on Oct 15, 2019 4:12:55 PM

By Chris Orestis

INTRODUCTION

The costs of long-term care are increasing every year, but most families and advisors do not understand what they will be confronting when it is time to start paying for care. Too many people wait until they are in the middle of a crisis before they start trying to figure out how the world of long-term care works. Long-term care is a topic people don’t want to discuss, yet it’s a very expensive proposition. Families can go broke quickly trying to provide for a loved one.

3 min read

Market Opportunity: Helping the LGBT Community Prepare For Tomorrow

By OneAmerica on Oct 11, 2019 12:30:00 PM

October 11 is National Coming Out Day, where members of the LGBTQ community are encouraged to live their lives as their true selves.  However, The LGBTQ community is often under-served in terms of healthcare, insurance and financial services.  This Market Opportunity to can help explain the fact that regardless of sexual orientation, American couples have similar concerns about their finances and their future.

Download Article PDF

Growing economic impact

The buying power of lesbian, gay, bisexual and transgender (LGBT) adults has reached $917 billion, reflecting tremendous economic impact. And
households run by same-sex couples tend to have a higher income and higher education level than opposite-sex couples, according to the U.S. Census Bureau.

3 min read

What is “Long-Term Care”?

By CLTC on Oct 9, 2019 1:00:00 PM

Before engaging clients in an effective planning process to address “long-term care” you need to understand what it is, and what it is not.

5 min read

Why 3% compound inflation isn't ALWAYS the best choice for LTC Insurance

By Tom Riekse Jr. on Sep 30, 2019 2:00:00 PM

When recommending LTC insurance for your clients, "default" benefits can often make the job of selecting plan options easier, but is that what is best for your client in every situation?  For example, the vast majority of LTCI buyers select a 90 day period before benefits start paying. This option tends to work well as both a reasonable deductible and could coordinate with how Medicare pays LTC benefits.

4 min read

Who Created Reverse Mortgages And How Have They Changed?

By RFS Lending on Sep 6, 2019 9:41:00 AM

Worksite LTCI and Your Employer Clients

By ARM on Sep 4, 2019 12:44:00 PM

 

LTCI gives employers the opportunity to reinvest recent tax savings in top employees. Learn more by watching the video below.

Double-Digit Growth Expected in Smart Home Market

By LECP Center on Aug 28, 2019 12:04:00 PM

Last June, we offered you some insights into how technology is playing into the extended and long term care market. IDC published trackers as the developments in Smart Homes market promises to impact home care is options for extended and long term care.

IDC Corporate Tracker

3 min read

5 Facts on How a Life Settlement Can Fund Your Retirement

By GWG Holdings, Inc. on Aug 26, 2019 11:36:00 AM

3 min read

Life Settlements: Understanding the Life Insurance Secondary Marketing and its Value to Consumers

By LifeCare XChange by GWG Life on Aug 23, 2019 11:29:00 AM

NOTE: The following is an excerpt taken from the most recent whitepaper released by author and former industry lobbyist, Chris Orestis, Executive Vice President for GWG.

Broker Tools- Annuity Review Worksheet

By OneAmerica on Aug 22, 2019 2:44:24 PM

An annual annuity review makes smart business sense for you and your clients! The reasons your clients originally purchased an annuity may have changed over time, so it’s important to make sure the type of annuity held matches the intended use.

Worksite LTCI - Advantageous to all Employees

By ARM on Aug 21, 2019 11:12:37 AM

Unique Tax Advantages for your client's business and their employees

1 min read

Webinar: The Surprising Similarities Between Traditional LTC and Some of the New Life/LTC Plans featuring Tom Riekse

By NAIFA on Aug 5, 2019 1:05:31 PM

There are many misconceptions among consumers and advisors about both traditional LTC and Linked Life/LTC Plans. This webinar will discuss how the new combination Life/LTC plans can be very similar to traditional LTC plans and visa versa. Learn about the list of similarities between how the products work, the three key differences between the types of products and why meaningful benefits can be affordable for a wider consumer market.

Interview #2: Chris Oretis

By GWG Life, LLC on Aug 1, 2019 1:00:00 PM

In this follow up interview, Chris Oretis of GWG Holdings, discusses how life settlements can be used or exchanged for tax free benefits which in turn may be used for Extended or Long Term Care Needs. 

Interview: Michael Babikian-LegacyShield

By LegacyShield on Jul 31, 2019 4:26:00 PM

This video introduces you to how LegacyShield’s “Life’s Mission Control” digital platform protects your client’s data and sets you apart as their Advisor/Agent. 

Life Settlements and the Funding of Long Term Care Needs - Interview 1 w. Chris Oretis

By GWG Life, LLC on Jul 31, 2019 1:00:00 PM

In this interview, Chris Oretis of GWG Holdings, Inc., will help us to understand  the origins, use and current legal status of life insurance policies that may provide funding for needed extended or long term care needs.

1 min read

3 Creative Ways Annuities can Fund LTC Insurance

By LTCI Partners on Jul 31, 2019 9:30:00 AM

According to insurance industry research group LIMRA annuity sales had their best quarter in nearly 10 years with 62.1 billion in 4th quarter 2018 sales, up 22% year over year. LTCI Partners show you 3 creative ways to use Annuities to fund extended care needs.

Interview: Shelley Giordano- RFS Lending, a Mutual of Omaha Bank company

By RFS Lending on Jul 30, 2019 4:23:12 PM

Shelley Giordano, author of  "What’s the Deal with Reverse Mortgages”, now in it’s 2nd edition, discusses the “home” as an important asset, too often overlooked in terms of planning for Extended care needs, Long Term Care, and Retirement Planning.

1 min read

Senior Protection Act with Steve Kline and Michael Hedge of NAIFA Government Relations

By NAIFA Government Relations Team on Jul 30, 2019 3:50:00 PM

Caroll Golden speaks with Steve Kline and Michael Hedge of the NAIFA-National Government Relations staff about the Senior Protection Act.  They offer valuable insights into NAIFA’s political advocacy on the issue of senior financial protection and highlight what NAIFA is doing at the state and federal level on this critical issue.

Increase Revenue with Worksite Long-Term Care Insurance

By ARM on Jul 25, 2019 11:00:00 AM

Advanced Resources Marketing [ARM] is a full service Long-Term Care Insurance [LTCi] enrollment firm. Focusing exclusively on LTCi, hybrid, and Life w/LTCi, ARM'S team are experts in the roll=out of worksite programs in order to maximize employer satisfaction and enrollment results that add revenue to your company.

Funding a Long-Term Care Benefit Account with Life Settlements

By GWG Holdings, Inc. on Jul 23, 2019 1:00:00 PM

Are they options for clients who are not able to consider insurance to meet their LTC needs?  In this video, Chris Oretis explains how a long-term care benefit account works for those with chronic and long term conditions needing to pay for expensive medical bills. 

Ash Brokerage offers keys to communicating Care Plans to family members

By ASH Brokerage on Jul 22, 2019 8:30:00 AM

Ash Brokerage/Target Ins. know it can be challenging to start “that” conversation. When discussing extended care need preparations, it is important to consider the impact that your client’s care plans could have on the entire family. Advisors can guide clients by  anticipating the children's concerns and helping clients prepare to address them. This flier offers common objections, and ways to answer them. Contact Chad Eyrich directly for more information by going to LECP.NAIFA.ORG/ subscribe. 

How to Boost Your LTCI Production

By Genworth on Jul 17, 2019 2:50:00 PM

Click here to read Wendy Boglioli's article in NAIFA's Advisor Today magazine that covers ways to boost your LTCI production. Wendy is a national spokesperson for Genworth Financia, Inc. 

Care Solutions Annuity

By OneAmerica on Jul 16, 2019 1:00:00 PM

Decision Tree for Stand-Alone vs Combo LTCi

By Target/Ash on Jul 15, 2019 1:00:00 PM

Do your clients need help deciding between Stand Alone and Combo products? Use this decision tree to assist in their decision.

Congress Considers Legislation Allowing Life Insurance Policies To Be Used As A Private-Pay Solution For LTC Costs

By LifeCare XChange by GWG Life on Jul 12, 2019 10:00:00 AM

A proposed federal law that would enable consumers to sell life insurance policies and use the money to pay for long term care, tax free, has the potential to save taxpayers billions of dollars while improv­ing the quality of life for millions of seniors.

Worksite LTCI - ARM Makes it Easy!

By ARM on Jul 8, 2019 2:34:00 PM

10 Most Asked Questions About LTC Insurance

By LTCI Partners on Jul 2, 2019 2:32:00 PM

Let LTCI Partners help you answer the 10 most asked questions about long-term care insurance? 

Interview with Carroll Golden and Claude Thau - Why Buy Now?

By Target/Ash on Jun 27, 2019 2:02:00 PM

 LECP Executive Director Carroll Golden discusses Lifestyle Planning with Claude Thau in detail. When should you buy LTC? What role does a client's health play in pricing?

 


Public Care Coverage Requirements

By LTCI Partners on Jun 26, 2019 12:30:00 PM

LTCI Partnes offers you a chart to help you and your clients understand the requirements of public care coverage? Start the conversation.

The LTC Delivery Revolution Part 3

By LECP Center on Jun 24, 2019 10:15:00 AM

 

 The third segment in our LECP Center series, offers insight into how personal service robots for the elderly can help those with mobility and cognitive issues. Robots are now even programmed with emotive features, for example, they can ask questions and hold conversations, helping the elderly feel like they have a companion.

Interview with Carroll Golden and Claude Thau Discussing Self Insurance

By Target/Ash on Jun 21, 2019 2:22:00 PM

Claude Thau discusses self-insuring options with LECP Executive Director Carroll Golden. This is a great option for some clients, learn how to discuss it with them through a role play example.

Worksite Long-Term Care Insurance

By ARM on Jun 18, 2019 1:42:00 PM

Worksite Long-Term Care Insurance

 

The LTC Delivery Revolution Part 2

By LECP Center on Jun 14, 2019 1:17:00 PM

 

 

The LECP Center is offering a series on the role robots are playing in caregiving. In this second segment,  we look at some new options for Extended and Long Term Care.  Where 2 or more caregivers have been needed to help individuals with limited mobility robots and technology can step in to assist.

The Coming LTC Delivery Revolution

By LECP Center on Jun 10, 2019 1:05:00 PM

 

Robots, Exoskeletons, and Smart Homes oh my! There are some exceptional plans in the works to modernize LTC delivery for those needing care.

LTC Industry Developments and Changes

By LECP Center on Jun 7, 2019 9:00:00 AM

Join LECP Executive Director Carroll Golden and Tom Riekse of LTCI Partners, LLC discussing various industry changes and developments. As the world modernizes and the industry evolves, access to purchasing avenues and options for MainStreetUSA may be expanding as well.

Client Needs Questionnaire

By ASH Brokerage on Jun 5, 2019 11:00:00 AM

It is sometimes very effective to use a questionnaire to start the conversation about preparedness or qualifying for extended or long term care. Or, use this questionnaire with your clients to help you determine which product and design to recommend for them. ASH Brokerage has many tools so contact them for the ones that will help you to grow your practice.

Reverse Mortgages - No Longer Taboo

By Retirement Funding Solutions on Jun 4, 2019 9:00:00 AM

Join Shelley Giordano & Chris Bruser to Learn Why Reverse Mortgages are Hot Again

 

Shelley Giordano and Chris Bruser answer all your fears and misconceptions on how the modern reverse mortgage works. 

LTC & Extended Care Advocacy with Steve Kline of NAIFA Government Relations

By LECP Center on May 30, 2019 10:00:00 AM

Steve Kline, Director of Government Relations for the National Association of Insurance and Financial Advisors (NAIFA) and Carroll Golden, Executive Director of the  Limited & Extended Care Planning Center (LECP) discuss the progress made on collaborative advocacy efforts from 2017 until now. This engaging interview discusses NAIFA's stance on extended care issues, highlights current events regarding extended care planning on both state and federal platforms, and discusses what to expect from state regulators on long term care issues. Through the LECP task force, NAIFA advisors are constantly prioritized through advocacy initiatives.

 


A New Opportunity in the Life Insurance Industry

By GWG Holdings, Inc. on May 29, 2019 3:00:00 PM

 

Raising the Subject with Bill Comfort - Part 2 of 2

By CLTC on May 23, 2019 9:00:00 AM

 

 

How do you effectively raise a subject that you know your clients don't want to talk about? Bill Comfort of CLTC has some suggestions for you.

The Purpose of Planning for Long Term Care

By New York Life on May 17, 2019 12:45:39 PM

 

The Challenge with Bill Comfort - Part 1 of 2

By CLTC on May 14, 2019 11:27:26 AM

Starting the LTC Conversation with Your Parents

By Target/Ash on May 9, 2019 10:10:00 AM

Although few of us want to broach the subject of what care Mom and Dad might need and where they should receive it, it’s a topic that isn’t going to go away.
This brochure offers tips about how to bring the subject up with a minimal amount of drama. Bringing it up early gives them time to work out the details before they begin to need help.

10 Most Asked Questions About LTC Insurance

By LTCI Partners on May 8, 2019 12:04:00 PM

What are the 10 most asked questions about long-term care insurance?

Help Clients Organize What They’re Trying to Pass On

By LegacyShield on May 7, 2019 5:14:30 PM

So, you've helped them with life insurance. What about helping beneficiaries understand what was passed on? Michael Babikian, CEO of LegacyShield, shares info on assisting beneficiaries.

Worksite LTCI and Benefits Brokers

By ARM on May 2, 2019 12:15:22 PM

Worksite LTCi and Benefits Brokers
2 min read

Washington State to Enact Public Long-Term Care Benefit Plan

By Carroll Golden on Apr 23, 2019 10:07:27 AM

 

1 min read

LTSS Coverage and Financing Reform: States Continue to Innovate

By AcademyHealth on Apr 8, 2019 12:08:01 PM

Join AcademyHealth’s Long-Term Services and Supports (LTSS) Interest Group from 2:00 – 3:30 p.m. ET on Thursday, April 11 for its spring webinar, which will offer a view on the efforts of states to reform the financing of long-term services and supports as well as an in-depth look at different state approaches.

Unique Underwriting Factors And Advances Benefit Seniors Using The Secondary Market To Fund Long Term Care

By LifeCare XChange by GWG Life on Apr 2, 2019 4:04:06 PM

While American seniors face a dark and stormy financial forecast, the companies that serve them have more tools than ever to help them plan and pay for their sunset years.

Congress Considers Legislation Allowing Life Insurance Policies To Be Used As A Private-Pay Solution For Long Term Care Costs

By LifeCare XChange by GWG Life on Apr 2, 2019 3:44:36 PM

A proposed federal law that would enable consumers to sell life insurance policies and use the money to pay for long term care, tax free, has the potential to save taxpayers billions of dollars while improv­ing the quality of life for millions of seniors.

1 min read

3 Creative Ways that Annuities can Fund LTC Insurance

By LTCI Partners on Mar 28, 2019 12:16:25 PM

According to insurance industry research group LIMRA annuity sales had their best quarter in nearly 10 years with 62.1 billion in 4th quarter 2018 sales, up 22% year over year.

Life Settlements: Understanding the Life Insurance Secondary Market and its Value to Consumers

By GWG Life, LLC on Mar 22, 2019 3:44:28 PM

Download GWG LIFE's White Paper on Life Settlements. 

Why the New Reverse Mortgage is Safer than Ever

By Retirement Funding Solutions on Mar 18, 2019 3:45:43 PM

 

Squaring the Life Curve with Healthcare Technology

By Marjorie Skubic, Ph.D. on Feb 26, 2019 4:06:36 PM

Marjorie Skubic, Ph.D. Center Director for the Center for Eldercare and Rehabilitation Technology at Missouri University shares her presentation on the latest technology advances in eldercare.

62 Who Knew

By Carroll Golden on Feb 26, 2019 1:51:17 PM

Wealth Transfer with the LTC Rider

By Nationwide on Feb 26, 2019 1:29:52 PM

This infographic demonstrates how by  annuitizing the contract and using the distribution from the annuity to purchase life insurance with a long-term care rider, your client can potentially create a larger pool of money that can help fund long-term care needs while still providing an inheritance for his or her family.

Broker Tool - Business Advantage Program

By ARM on Feb 22, 2019 8:14:25 PM

Use this infographic when communicating with potential company prospects.

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